In life we protect the things that are important to us. That can include our family, our health, our home – and for a practicing physician, that should include your income.

That’s why there’s disability insurance – to help provide income if we get ill or injured and can’t work for a long stretch of time.

Balancing Income Protection and Cost Consideration

For many physicians, however, the cost of disability insurance can be a consideration. To that end, we developed the TMA Member Long Term Disability Plan issued by The Prudential Insurance Company of America.

This is our most cost-effective disability insurance plan. And whether you currently have disability insurance or wish to get coverage for the first time this can be a cost-saving way to help protect your income.

See Your Lower Rate – Save up to 25%

Firstly, there are exclusive rates for TMA members. These are group rates so they’re typically lower than those for an individual plan. On top of that, there’s a 25% premium statement credit. This further reduces your premium rate by an extra 25%.*

If you’d like to see just what your rate would be – based on the benefit amount and waiting period you choose – click here for our premium rate calculator.

You can apply for a benefit up to $4,000 with simplified underwriting and without the need to verify income – regardless of any other coverage you may have. Higher benefit amounts are also available.

Rich in Benefits and Options

The TMA Member Long Term Disability Plan comes with a wide range of benefits and options – so you can choose those that best meet your individual needs. These include:

• Streamlined application process for monthly benefits up to $10,000 – members can apply for a benefit amount of up to $15,000.
• Own occupation benefits paid for first 120 months with the option for benefits to continue beyond this period
• No-cost to you student loan reimbursement (SLR) benefit for members age 40 and under
• Cost of living adjustment (COLA) provision
• Catastrophic disability benefit – pays additional 20% of your monthly benefit for a covered catastrophic disability
• Annual opportunity to increase coverage to age 45

Get Personalized Advice

As a physician we understand you have limited time – so we’ve made it easy to get started. If you’re ready right now, you can click below to apply.

You can also speak with a TMA Insurance Trust advisor. They have years of experience helping Texas physicians with disability insurance and their advice and recommendations are offered at no cost. Their goal is to help you protect as much of your income as possible – at a cost that works with your budget. Again, you can click here to check your rate.

Our advisors do not receive any sales-based commissions, so we can assure you, you will not feel any pressure or obligation. Call us for a no-cost consultation at 1-800-880-8181, 7:30 am – 5:30 pm CST Monday to Friday.

For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.